Social Security Calculator 4+

Powerful Benefits Estimator

Denton Kollar

    • $0.99



What is the best age to start your Social Security benefits? What if you start at 62 with reduced benefits, but invest and get compound interest? Or is it a good idea for you to wait until 70 for increased benefits?

The Social Security Calculator is a powerful estimating tool that can answer these questions and help you plan for retirement.

[ Features ]

• Estimates the most profitable starting age for your benefits based on your income and life expectancy

• Calculates your potential lifetime net income for all benefit starting ages so you can easily compare the results

• Your date of birth and benefit amount at full retirement age are all you need to know (benefits at FRA can be found on your Social Security statement or by creating an account on

• Optionally include other monthly income, an interest rate for income, monthly expenses, and an interest rate for expenses

• Optionally disable paying down expenses (potentially useful in situations when compounding income exceeds compounding expenses)

• Detailed results are presented in interactive Summary, Spreadsheet, and Graph formats

• Calculation inputs can be labeled and saved for quick retrieval and comparison

• Robust in-app help via information buttons, getting started guide, glossary, and links to additional resources

[ Interactive Results ]

• Summary - a table of life expectancy ages with their most profitable starting ages for benefits. Rows can be expanded to show your estimated lifetime net income for every life expectancy age. The lifetime net income rows can be tapped to highlight the corresponding cell in the Spreadsheet.

• Spreadsheet - detailed spreadsheet format showing your estimated lifetime net income for all Social Security starting ages and life expectancy ages. Each lifetime net income cell can be tapped to show more detailed information. The differences in lifetime net income amounts can be easily examined for all benefit starting ages.

• Graph - calculation results displayed as lines depicting estimated lifetime net income for each Social Security starting age. Clearly illustrates the differences in lifetime net income for all benefit starting ages. Any starting age line can be toggled on or off. Tapping a point on the graph will display more detailed information. Supports zooming to show increased granularity.

[ Disclaimer ]

We have carefully followed the benefit rules from the Social Security Administration and have tested to ensure that our calculations are as accurate as possible. However, since we are not affiliated with the SSA, this app is only intended to be used for reference. Before making a retirement decision we strongly recommend reviewing and other resources for more information. (The app links to several useful resources in Help > Additional Resources.)

Also please be aware that this app currently does not calculate spousal benefits or survivor benefits. If you would like us to add this functionality or have any other ideas to improve the app please let us know.

[ Credits ]

• App Design / Development - Denton Kollar
• Original Concept / Consulting - Paul Cichocki

What’s New

Version 1.0.1

Fixed a few minor UI issues and improved help documentation.

Ratings and Reviews

4.1 out of 5
8 Ratings

8 Ratings

Schniggen ,

Excellent. Almost a 5 Star

No spreadsheet export.

Developer Response ,

Exporting the spreadsheet would definitely be useful and hopefully we will add that functionality in a future update. Thank you for your feedback and for purchasing the app!

Eijh ,

No option for FIRE

It would be nice if it calculated the 2 bend points and allowed us to calculate based on less than 30 years of work history.

esunolaco ,

Succinct and Simple

I like the simplicity of this App. Would also like to see the Spousal Benefit added to it.

Developer Response ,

Thank you for purchasing the app and for your feedback! We tried to design the app to be as succinct and simple as possible, so we're glad to know you appreciate that. We agree spousal benefit calculations would be very useful and as we get more requests we hope to add that functionality in a future update.

App Privacy

The developer, Denton Kollar, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Up to six family members can use this app with Family Sharing enabled.

More By This Developer

Social Networking

You Might Also Like